ABN 56 103 618 499

Address 3/3 Rocklea Dr, Port Melbourne, VIC 3207

Postal PO Box 183, South Melbourne, VIC 3205

Email support@southgatesalpack.com.au

Website www.southgatesalpack.com.au

Phone 1300 132 500

Fax 1300 500 150

Southgate Salary Packaging Services © 2019

FINANCE APPLICATION – NOVATED LEASE

PERSONAL DETAILS

Title Given Name Surname

Middle Name/s Maiden Name

Date of Birth Driver’s Licence No. Expiry

Driver’s Licence Type Full Provisional Learner Heavy Vehicle None

Marital Status Single Married De Facto / Partner No. of Dependants

Residency Citizen Permanent Resident VISA (Specify Type) ___________________________

Residential Address

Suburb State Postcode

Postal Address

Suburb State Postcode

Home Phone Mobile Work Phone

Email Address

HOME OWNERSHIP STATUS (Minimum total of 3 years Residential History required)

Current Status Own Outright Mortgaged Renting Boarding Living with Relatives

Years at Address Months at Address

Landlord’s Name & Phone (if renting)

Previous Address Years At Address

Suburb State Postcode

CURRENT EMPLOYER DETAILS

Current Employer ABN

Position / Role

Years with Employer Months with Employer

Employer’s Address

Suburb State Postcode

Contact Person Role Phone

Employment Status Full Time Part Time Casual Contract

PREVIOUS EMPLOYER DETAILS (If current employer is less than 3 years)

Previous Employer ABN

Position / Role

Years with Employer Months with Employer

Employer’s Address

Suburb State Postcode

Contact Person Role Phone

Southgate Salary Packaging Services © 2019

STATEMENT OF ASSETS AND LIABILITIES

ASSETS Own Outright? (if not owned outright, ensure related liability is listed under Liabilities)

Home Property $ _______________ Yes No

Investment Property 1 $ _______________ Yes No

Investment Property 2 $ _______________ Yes No

Investment Property 3 $ _______________ Yes No

Shares/Trust/Managed Funds $ _______________ Yes No

Recreational Assets (Boat/RV) $ _______________ Yes No

Plant & Equipment $ _______________ Yes No

Motor Vehicle 1 $ _______________ Yes No

Motor Vehicle 2 $ _______________ Yes No

Cash in Bank $ _______________

Superannuation $ _______________

Home Contents $ _______________

LIABILITIES Current Balance Monthly Payment

Bank / Institution

Home Property Loan $_____________ $_____________

Investment Property 1 Loan $_____________ $_____________

Investment Property 2 Loan $_____________ $_____________

Investment Property 3 Loan $_____________ $_____________

Margin Loan $_____________ $_____________

Loan for Investments $_____________ $_____________

Personal Loan $_____________ $_____________

Recreational Asset Loan $_____________ $_____________

Plant & Equipment Loan $_____________ $_____________

Motor Vehicle 1 Loan $_____________ $_____________

Motor Vehicle 2 Loan $_____________ $_____________

LIABILITIES CONT. Current

Balance Owing Monthly Payment

Bank / Institution Credit Limit

Credit Card 1 $_____________ $_____________ $_____________

Credit Card 2 $_____________ $_____________ $_____________

Credit Card 3 $_____________ $_____________ $_____________

Bank Overdraft/s $_____________ $_____________ $_____________

Debt Agreement $_____________ $_____________

Tax Debt $_____________ $_____________

STATEMENT OF MONTHLY INCOME AND EXPENSES

MONTHLY INCOME MONTHLY EXPENSES

Gross Monthly Income $ __________________ Mortgage Repayment $ __________________

Net Monthly Income $ __________________ Rent or Board $ __________________

Spouse/Partner Gross Income $ __________________ Vehicle Running Costs $ __________________

Spouse/Partner Net Income $ __________________ Private Education/Childcare $ __________________

Investment Property Income $ __________________ Rental Property Expenses $ __________________

Government Benefit Income $ __________________ Other Expenses $ __________________

Investment Income $ __________________ General Living Expenses* $ __________________

Other Income Specify source of other income:

$ __________________ *All household/living costs not listed above – eg. food, phone/internet,

utilities, council rates, entertainment, etc. Refer to attached “General Living Expenses Calculator” page to assist you in calculating this figure. __________________

Southgate Salary Packaging Services © 2019

PAST CREDIT ISSUES (if applicable)

In the past 5 years, have you had any late payments / defaults / bankruptcies that may affect your credit history?

Yes No

If yes, please record below the details of each credit issue. Attach a separate page if necessary.

Please provide as much information as possible (eg. description of issue and circumstances, lender, amount, date and current status) to assist us in explaining any past credit issues to the financier to facilitate your finance application.

INSURANCE OPTIONS (These can be included in your financed amount)

Would you like Southgate to provide a quotation including:

Lease Protection Insurance

Lease Protection Insurance allows you to hand back (dispose of) your lease vehicle when certain unforseen events occur in your life. This policy covers a range of specific circumstances outlined in the Product Disclosure Statement (PDS), which include involuntary unemployment and disability. A “Monthly Payment Option” is included in the policy, to help you cover your lease payments and assist you to keep the vehicle.

Yes No

Extended Warranty Insurance

Extended Warranty Insurance is designed to provide cover after the expiry of the manufacturer or dealer statutory warranty on a vehicle. This warranty provides insurance coverage which replicates most of the features contained in a vehicle’s original manufacturer warranty, with some exclusions as outlined in the Product Disclosure Statement (PDS). Certain eligibility criteria will apply to this policy so please check with your Southgate consultant whether your vehicle is eligible to be covered.

Yes No

DECLARATION & SIGNATURE

I declare have read and understood the particulars that have been completed in this declaration and state that those particulars are true, complete and not misleading, and have been made to Southgate Salary Packaging Services and the financier to enable us to assess my finance application.

Full Name

Signature

(no electronic signatures)

Date

CHECKLIST - Items to be returned with finance application

Required Items to be returned with your finance application:

Signed Southgate ‘Privacy Form’

Signed Financier ‘Privacy Form’

Photocopy of Driver’s Licence (front & back)

2 x Recent Payslips OR Letter of Employment (for you)

2 x Recent Payslips (for your spouse/partner) Please return your documents via:

Email: support@southgatesalpack.com.au or email directly to your Southgate consultant.

Fax: 1300 500 150

Post: PO Box 183, South Melbourne VIC 3205

1

PRIVACY DISCLOSURE STATEMENT & CONSENT

Overview Southgate Financial Services Pty Ltd, ACN ABN: 56103618499, trading as Southgate Financial Services, (‘we’, ‘us’, ‘our’) collects information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange consumer and/or commercial credit and personal information

(‘information’) about you for those purposes.

Privacy Disclosure Statement and Consent We are collecting information about you, as applicable: o To source for you, or a company of which you are a

director:

• Consumer credit for personal, household, domestic orresidential investment purposes;

• Commercial credit for business purposes; or

• Other services stated in this Privacy DisclosureStatement and Consent (Consent); or

o To support a guarantor application, you will provide.

As your broker, we require the information we collect from you

to assess your credit, or guarantor, application or the credit application of a company of which you are a director, source a

suitable credit provider and any required insurances and to

manage the application process, where required. If you do not provide the information sought, we may be unable to process

your application, or the company’s application, or we may be limited in the other services we can offer you or the company.

Your information – Collection and Disclosure When we collect information from you in the credit or guarantor application process, we use that information in a

number of ways to assess your application and, where

appropriate, to source a suitable credit provider or lessor and/or insurance provider. We may, as appropriate:

• Disclose your identification information to a consumer

credit reporting service (‘Consumer CRS) and/or a

commercial credit reporting service (‘Commercial CRS’), if

you wish us to obtain a report on your behalf;

• Use any information a credit reporting service provides in

its report to assist us to preliminarily assess your credit or

guarantor application;

• Disclose your information to an insurer or insurers to

source any insurances you wish to obtain; and

• Disclose your information to a credit provider or credit

providers to apply for finance on your behalf.

The information we obtain from you is used, subject to

compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as

permitted, or required, by law.

Credit Providers As part of providing our services to you, we may undertake

tasks for a credit provider which are reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us.

We may submit your application to one or more credit providers. Those credit providers and their website addresses

are set out in the Schedule 1 at the end of this document.

A credit provider, to whom we submit an application, may

disclose information about you to, and collect information

about you from, one or more Consumer CRS or Commercial CRS.

The website of each credit provider contains details of each

Consumer CRS and Commercial CRS with which it deals and other details about information held about you, including whether that information may be held or disclosed overseas and, if so, in which countries. The websites also describe your key rights. These details may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, or similar.

For each Consumer CRS a credit provider uses the website

details will include the following specific information:

• That the CRS may include information the creditprovider discloses about you to other credit providers toassess your credit worthiness

• That, if you become overdue in making consumercredit payments or you commit a serious creditinfringement, the credit provider may disclose thatinformation to the Service

• How you can obtain the credit provider’s and/or theService’s policies about managing your information

• Your right to access and/or correct information heldabout you and to complain about conduct that maybreach the privacy and credit reporting laws

• Your right to request a CRS not to undertake pre-screening for purposes of direct marketing by a creditprovider

• Your right to request a CRS not to release informationabout you if you believe you are a victim of fraud

This detail will also be included by the credit provider who

approves your application in the privacy disclosure statement and consent document it will provide to you.

Each credit provider website includes information on how to

contact it and how to obtain a copy of its privacy documents in

a form that suits you (e.g. hardcopy or email).

2

Your rights

You have the right to ask:

• Us to provide you with all the information we hold about

you

• Us to correct the information we hold if it is incorrect

• Us for copies of our privacy policy and this document, in a

form that suits you (e.g. hardcopy or email)

• A Consumer CRS not to use your information for direct

marketing assessment purposes, including pre-screening

• A credit reporting service to provide you with a copy of any

information it holds about you

You can gain access to the information we hold about you by

contacting our Privacy Officer at the address above or by

telephone on 1300 132 700 or email at support@southgatefinancial.com.au. In some cases, an administration fee may be charged to cover the cost of providing the information. Our Privacy Policy is available on our website at www.southgatefinancial.com.au or we will provide you with a copy if you ask us.

Schedule 2 at the end of this document sets out the contact details for each credit reporting service.

Disclosure and Consent By signing below, you agree we may:

• Use your information:o To assess your consumer or commercial credit and/or

guarantee application and/or to assess a creditapplication by a company of which you are a director

o To source any finances, you requiredo To source any insurances you requireo As the law authorises or requires;

• Disclose to, and obtain from, any prospective creditprovider or insurer, information about you that isreasonably necessary to obtain the finance and insurancesyou require;

• Obtain from, and disclose to, any third party, informationabout you, the applicant(s) or guarantor(s) that isreasonably necessary to assist you obtain the finance andinsurances required;

• Provide your information, including your credit report(s), toone or more of the credit providers specified in Schedule 1at the end of this document so they can assess yourapplication, or the application of a company of which youare a director, or your suitability as a guarantor

• Provide information about you to a guarantor, orprospective guarantor;

• Provide you, or the company of which you are adirector, with offers or information of other goods orservices we, or any of our associated entities, may beable to provide to you or the company, unless you tell usnot to;

• Disclose your information to the extent permitted by lawto other organisations that provide us with services,such as contractors, agents, printers, mail houses,lawyers, document custodians, securitisers andcomputer systems consultants or providers, so they canperform those services for us; and

• Disclose your information to any other organisationthat may wish to acquire, or has acquired, an interestin our business or any rights under your contract withus, or the contract with us of a company of which you area director.

You also agree and consent to, as appropriate:

• A Consumer CRS disclosing information to one or morecredit providers specified in Schedule 1 at the end ofthis document for the purpose of assessing yourapplication for consumer or commercial credit or yourguarantor application, and/or assessing a creditapplication by a company of which you are a director

• When you are a prospective guarantor, a creditprovider using that information to assess yoursuitability as a guarantor

• A credit provider disclosing your information (includinginformation obtained by it from a Consumer CRS) to aguarantor, or a prospective guarantor

• A credit provider disclosing to another credit provider,to your agent, such as us as your broker, or to a servicer,for a particular purpose, information it holds about you

Extended Effectiveness for Commercial Credit Your agreement and consent to the disclosures and consents in this document will be effective for a period of 12 months, but only in relation to commercial credit. Your agreement to this cease when you either withdraws it by contacting us using our details above or 12 months after you sign below, whichever first occurs. This will allow us to continue to provide our services to you without the need to ask you to sign a new privacy statement and consent each time you require commercial credit within a 12-month period. The extended effectiveness does not apply in relation to consumer credit.

Where the applicant, or guarantor, is a company of which you are a director, you consent to the disclosure and use of your information, in addition to the company’s information, in each of the ways specified in this document.

3

Authorisation By signing this document, you authorise us to make a request on your behalf to obtain information about you from one or more credit reporting service(s) and credit provider(s). That information will assist us in providing our services to you.

APPLICANT 1 or DIRECTOR 1 [if signing on behalf of company applicant]

APPLICANT 2 or DIRECTOR 2 [if signing on behalf of company applicant]

Applicant or

Director

Signature:

Applicant or

Director

Signature:

Full Name: Full Name:

Date: Date:

GUARANTOR 1 [including director signing as guarantor]

GUARANTOR 2 [including director signing as guarantor]

Guarantor Signature

Guarantor Signature

Full Name: Full Name:

Date: Date:

SCHEDULE 1

CREDIT PROVIDERS

Name of Credit Provider Website

ANZ www.anz.com.au/ Bank Of Melbourne www.bankofmelbourne.com.au/

Capital Finance Australia Limited www.capitalfinance.com.au/ Commonwealth Bank of Australia www.commbank.com.au/

Fleet Partners www.fleetpartners.com.au/ Flexi Commercial www.flexicommercial.com.au/ Latitude Financial www.latitudefinancial.com.au/ LeasePlan www.leaseplan.com.au/ Liberty Financial www.liberty.com.au/ Macquarie Leasing Pty Ltd www.macquarie.com/ Metro Finance www.metrofin.com.au/ Morris Finance Limited www.morrisfinance.com.au/ National Australia Bank Limited www.nab.com.au/ Pepper Asset Finance Pty Ltd www.pepper.com.au/ Prospa Advance www.prospa.com/ RateSetter www.ratesetter.com.au/ St George www.stgeorge.com.au/ Westpac www.westpac.com.au/

SCHEDULE 2 CONSUMER / COMMERCIAL CREDIT REPORTING SERVICES

Name Website / Email Address Telephone

Veda www.veda.com.au/contact-us 1300 921 621

PDP Novated April 2020 Page 1 of 6

PRIVACY ACT AUTHORISATION / AGREEMENT Novated Leasing

TO BE SIGNED BY ALL APPLICANTS AND/OR GUARANTORS WHERE PARTIES ARE INDIVIDUALS

Applicant parties (and where applicable, Guarantors) to a credit application should complete and give this agreement to the credit provider or its authorised Introducer/Dealer/Broker (“Introducer”) for the purpose of the Privacy Act 1988 (Cth). For the avoidance of doubt, references to “Introducer” in this agreement shall, where applicable, include any replacement salary packaging administrator which is appointed during the term of any finance contract which results from your application.

NAME OF CREDIT PROVIDER

St.George Finance Limited ABN 99 001 094 471 Australian credit licence 387944 or St.George Motor Finance Limited ABN 53 007 656 555 Australian credit licence 387946 or St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 Australian credit licence 233714 or Bank of Melbourne – A Division of Westpac Banking Corporation ABN 33 007 457 141 Australian credit licence 233714, whichever is named as Credit Provider in the Applicant’s application for credit (“we”, “us” and “our”).

The Applicant acknowledges that Applicant has made an application for credit from us.

This document contains important consents that you give to us. You should therefore read this document carefully before signing it.

PRIVACY STATEMENT

Personal information

We collect personal information from you to process your application, provide you with your product or service, and manage your product or service. We may also use your information to comply with legislative or regulatory requirements in any jurisdiction, prevent fraud, crime or other activity that may cause harm in relation to our products or services and help us run our business. We may also use your information to tell you about products or services we think may interest you.

If you do not provide all the information we request, we may need to reject your application or we may no longer be able to provide a product or service to you.

If you are a proposed guarantor, we collect your personal information in order to assess you as a guarantor, take a guarantee from you and administer that guarantee. If you do not provide all the information we request, we may be unable to accept you as a guarantor. If we are not able to accept you as a guarantor, this may affect our ability to approve an application.

We may disclose your personal information to Westpac Banking Corporation ABN 33 007 457 141 and its related bodies corporate (“Westpac Group”), anyone we engage to do something on our behalf, lenders mortgage insurers, trade insurers, your broker or any other person acting on your behalf, other loan parties, rewards program administrators and other organisations that assist us with our business.

We may disclose your personal information to an entity which is located outside Australia. Details of the countries where the overseas recipients are likely to be located are in our privacy policy.

As a provider of financial services, we have obligations to disclose some personal information to government agencies and regulators in Australia, and in some cases offshore. We are not able to ensure that foreign government agencies or regulators will comply with Australian privacy laws,

PDP Novated April 2020 Page 2 of 6

although they may have their own privacy laws. By using our products or services, you consent to these disclosures. We are required or authorised to collect personal information from you by certain laws. Details of these laws are in our privacy policy. Our privacy policy is available on our website or by calling us. Please see the Contact us section. It covers:

how you can access the personal information we hold about you and ask for it to becorrected;

how you may complain about a breach of the Australian Privacy Principles or a registeredprivacy code and how we will deal with your complaint;

how we collect, hold, use and disclose your personal information in more detail.

obtain consumer credit information about you from a credit reporting body to enable us toassess your creditworthiness;

obtain information about your commercial activities or commercial credit worthiness from abusiness which provides information about commercial credit worthiness;

exchange personal information and credit information about you with other credit providers toassess your application and creditworthiness and to notify them of any defaults by you;

disclose credit information and other personal information about you to a guarantor or to aproposed guarantor (for the purpose of them considering whether to offer to act as guarantor);

give or obtain a banker's opinion about you.

If you are a proposed guarantor, we may obtain credit reporting information about you from a credit reporting body for the purpose of assessing whether to accept you as a guarantor. If you have made your application or have been introduced to us through a broker or other intermediary, we may exchange credit information and other personal information about you with them. We may also communicate with them directly in relation to your application instead of communicating with you. The privacy page of our website includes a “Statement of Notifiable Matters”. These are matters you should be aware of in relation to the use and disclosure of your credit information. This statement includes:

details of the credit reporting bodies to which we are likely to disclose your credit information,the types of credit information we may give them and how this information will be used;

your rights over your credit information, including how you can access and correct yourinformation and make complaints;

your rights to direct a credit reporting body to limit the use of your information for directmarketing purposes and what protections are available if you believe you are a victim offraud; and

information about our Credit Reporting Policy.

See the Contact us section or ask your Introducer for a hard copy of the Statement of Notifiable Matters.

We will update our privacy policy from time to time.

For our customers located in the European UnionThe General Data Protection Regulation (GDPR) regulates the collection, use, disclosure or other processing of personal data under European Union (EU) law. Personal data means any information relating to you from which you are either identified or may be identifiable. Our collection, use, disclosure and other processing of your personal data may also be regulated by the GDPR.

Please refer to our EU Data Protection Policy on our website at stgeorge.com.au/privacy-reforms for information about how we manage your personal data under the GDPR. The EU Data Protection Policy also forms part of this Privacy Statement.

Credit information We may:

PDP Novated April 2020 Page 3 of 6

Authority to give information to your Introducer and Manufacturer

You authorise your Introducer, who submits your application for finance, to have access from us to certain information. You authorise us to disclose to that Introducer information including, but not limited to your application and our assessment of it and information relating to any existing finance contract you have with us which is proposed to be refinanced (in whole or in part) by the finance which is the subject of your application. If your application is referred for further assessment, you request us to disclose credit eligibility information about you to the Introducer, as your authorised representative. This includes information from your credit report and any information we derive from your credit report.

If your finance is approved you authorise us to disclose to your Introducer, as your authorised representative, all information we hold relating to your finance contract (as updated from time to time and on an ongoing basis during the term of your finance contract) which is necessary for the ongoing administration of your finance contract including, but not limited to your finance contract account name and number, information regarding the ongoing management of your account, any change to your contract details, the balance of your account from time to time, whether there are any arrears on your account, the amount of those arrears (if any) and whether or not the finance contract is discharged.

Without limiting the above, if your finance is approved you authorise us to provide to your Introducer and the manufacturer of any vehicle or asset which is the subject of any finance contract you have with us (“Manufacturer”) your contact details and all information we hold relating to your finance contract (as updated from time to time and on an ongoing basis throughout the term of your finance contract). Your introducer, the Manufacturer and anyone they engage may use this information to carry out data analytics.

Marketing by your Introducer and Manufacturer

From time to time, your Introducer and the Manufacturer would like to provide you with information and contact you about products and services each of them offers. You authorise us to supply your Introducer and the Manufacturer (as updated from time to time and on an ongoing basis throughout the term of your finance contract) your contact details and all information we hold relating to your finance contract and the vehicle or asset financed to enable your Introducer and/or the Manufacturer to provide you with information and offers. Your Introducer may also contact you with respect to any offers we may make to you.

You may tell us not to provide this information to your Introducer and your Manufacturer for the purpose of enabling them to provide you with information and offers. Please see the Contact us section. We will comply with your request within a reasonable period.

If you would like your Introducer or Manufacturer to stop sending you marketing communications, please contact the Introducer or Manufacturer directly.

Introducers and Manufacturers are independent from us and have privacy policies which differ from our privacy policies. Introducers and Manufacturers are responsible for their own privacy policies and practices, including managing their own marketing consents and opt-out lists. Please contact your Introducer or Manufacturer directly for further information. Introducers and Manufacturers may disclose your personal information to an entity that is located outside Australia. Details of the countries where the overseas recipients are likely to be located in their privacy policies.

Motor Vehicle or Drivers’ Licence Registry

You authorise us to obtain personal information about you, under the Freedom of Information Act, from any motor vehicle or drivers’ licence registry in Australia whilst any liability is outstanding to us without reference to you.

Information about products and services

The Automotive Finance and Equipment Finance businesses of St.George Bank or Bank of Melbourne (depending on who your Credit Provider is) will use or disclose your personal information to identify and contact you or send you information about other products and services offered by the

PDP Novated April 2020 Page 4 of 6

Westpac Group or its preferred suppliers. You consent to those businesses sending you marketing communications (including by phone, electronic message or any other delivery method) for this purpose.

If you are an existing customer of our Automotive Finance or Equipment Finance businesses, the consent you provide to us through this document replaces any marketing and privacy preferences (including any opt outs) you have previously given us.

If you already hold other products with the Westpac Group, or hold other products after signing this document, please be aware that any privacy and marketing preferences you have given to other parts of the Westpac Group are managed separately to those you have given to the Automotive Finance or Equipment Finance businesses.

You may ask us at any time to have our Automotive Finance or Equipment Finance business stop sending you marketing communications by contacting us. This will only opt you out of marketing communications initiated by our Automotive Finance or Equipment Finance businesses. Please see the Contact us section and we will comply with your request within a reasonable period.

If you already hold, or hold at a later time, other products with the Westpac Group (outside of the Automotive Finance and Equipment Finance businesses), you will need to contact our business unit which provided that product to you if you do not wish to receive their marketing communications.

Electronic signing

By signing this notice:-

you acknowledge that, where we provide an option for you to sign the finance contract or aguarantee or any other related or required documents (including a business purposedeclaration or a direct debit request) electronically, we consent to you executing thosedocuments electronically, including by you applying your signature to an electronicdocument using a stylus or similar device on a mobile tablet; and

you consent to us executing any finance contract or guarantee electronically, including byapplying an electronic signature to an electronic counterpart of such credit contract orguarantee.

You agree to receive any communications from us and/or your Introducer via electronicmeans.

Online Identity Verification

Please tick the “yes” box below to: agree to the Online Identity Verification Terms and authorise us and/or your Introducer to use

online identity verification; confirm that you are authorised to provide the personal details presented for online identity

verification; and consent to your information being checked with the document issuer or official record holder

for the purpose of confirming your identity.If you do not agree to online identity verification tick the “no” box below and we or your Introducer will provide you with an alternative method of identity verification.

Applicant 1 [ ] YES [ ] NO Guarantor 1 [ ] YES [ ] NO Applicant 2 [ ] YES [ ] NO Guarantor 2 [ ] YES [ ] NO

Definitions

The definitions below apply to this agreement and the Online Identity Verification Terms.

PDP Novated April 2020 Page 5 of 6

“Bank of Melbourne Customers” means customers of Bank of Melbourne - A Division of Westpac Banking Corporation ABN 33 007 457 141.

“Online Identity Verification Terms” means the Online Identity Verification Terms attached to this agreement.

“We”, “our”, or “us”” means St.George Motor Finance Limited ABN 53 007 656 555 Australian credit licence 387946 or St.George Finance Limited ABN 99 001 094 471 Australian credit license 387944 or St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 Australian credit licence 233714 or Bank of Melbourne – A Division of Westpac Banking Corporation ABN 33 007 457 141 Australian credit licence 233714, whichever is named as Credit Provider in the Applicant’s application for credit and, for the purposes of the Online Identity Verification Terms only, includes your Introducer.

“St.George Customers” means customers of St.George Finance Limited ABN 99 001 094 471 or St.George Bank- A Division of Westpac Banking Corporation ABN 33 007 457 141.

“You” or “Applicant” means the applicant party or parties to a credit application who have signed this agreement.

Contact us:

St.George Customers Phone: 1300 301 315 8:30am and 5:30pm (AEST), Monday to Friday Website: stgeorge.com.au

Bank of Melbourne Customers Phone: 1300 100 266 8:30am and 5:30pm (AEST), Monday to Friday Website: bankofmelbourne.com.au

For Applicants, and guarantors (if any) I have read and understood the above Privacy Statement and I consent to the collection, use and disclosure of personal information in accordance with the Privacy Statement. Where I have provided information about another individual, I declare that the individual has been made aware of that fact and the contents of the Privacy Statement.

Name of Applicant Signature Date

PDP Novated April 2020 Page 6 of 6

Online Identity Verification Terms

By proceeding with online identity verification, you agree to us making an identity verification request (verification request) and disclosing your name, residential address, and date of birth (personal information) electronically on your behalf using Equifax Pty Limited ABN 29 080 662 568 (Equifax) in accordance with these terms.

We may ask Equifax to provide an assessment of whether your personal information matches (in whole or part) personal information held by Equifax. We do this only for the purpose of verifying your identity as required under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006. Equifax may prepare and provide a verification assessment to us. Equifax may use your personal information and personal information of other individuals to prepare the verification assessment.

You also appoint us as your agent to contact Commonwealth and State Government agencies and private sector organisations (database owners) electronically on your behalf using Equifax, to verify the personal information you have provided to us, including your mobile number and email address. The relevant database owners will only be used where you provide additional document details for verification, for example details for your Driver's Licence or Medicare card.

For more information on how the database owners handle personal information, please refer to the following database owners' privacy policies on their website, or contact them individually to get more information:

Equifax owns and/or manages the following databases:

Consumer Credit Report Commercial Credit Report Equifax Public Records National Tenancy database Commonwealth Electoral Roll Insurance Reference Database Equifax Phone Number Directory.

Commonwealth Agencies:

Medicare Department of Foreign Affairs and Trade - Australian Passport Office Department of Immigration and Border Protection - Visa Entitlement Verification Online.

Various State Government Authorities:

ACT - Road Transport Authority NSW - Roads and Maritime Services QLD - Department of Transport and Main Roads VIC - VicRoads WA - Department of Transport SA Department of Planning, Transport and Infrastructure NT - Department of Transport TAS - Department of State Growth Transport Registry of Births, Deaths & Marriages.

Note: The confirmation of your identity using the credit reporting information will not be recorded as an enquiry on your consumer credit report.